Accelerate your cash flow with fast turnaround on debtor finance applications
Maximize cash flow and drive growth opportunities with tailored debtor finance solutions
Debtor finance made easy with simple, streamlined application process unlocking quick access to funds.
Our team is highly skilled in debtor finance, providing tailored solutions and expert guidance to meet the needs of your business.
We break down our process into 4 simple steps
We find you the best car loan rate for your credit profile
Efficient and streamlined application process for debtor finance, with tailored solutions to meet the specific needs of your business. Get fast access to funds tied up in unpaid invoices with our expert support.
We handle all the paperwork for your application, making the process quick and stress-free, allowing you to focus on the cogs that make your business turn.
Our experienced debtor finance team provides expert guidance and a personalized approach to finding the best solution for your circumstances.
Find the right solutions for your business with the help of our professional brokerage team. They will guide you and provide a personalized approach.
Simplified solutions to improve cash flow, that caters to your business needs, providing quick access to funding and growth opportunities.
Centrepoint can help you make use of the best debtor finance options available for your business’s unique requirements.
Our Debtor Finance facility is designed to suit the needs of a wide range of Australian businesses, from startups to well-established organisations and businesses facing cash flow challenges.
When you need to secure finance, you don’t want to have to put up your personal assets. With debtor finance, you don’t need to provide any real estate security. Instead, your facility is secured against your business and the receivables ledger. That means every sale contributes immediately to your business success – the more sales you make, your purchasing power also grows.
Depending on the financier, once you have uploaded the fund invoices, you could have access to the funds within minutes.
You can usually convert up to 85% of your invoices into an immediate cash injection
Debtor finance, also known as invoice financing or factoring, is a financial solution that allows businesses to access funds by selling their accounts receivable (invoices) to a lender at a discounted rate. This enables businesses to receive cash quickly and manage their cash flow, without waiting for customers to pay their invoices.
The process of debtor finance in Australia typically involves the business selling their accounts receivable (invoices) to a lender at a discounted rate. The lender will then advance a percentage of the invoice value to the business as soon as the invoice is raised. The business will then receive the remaining funds, minus a fee, once the customer pays the invoice.
The benefits of debtor finance in Australia include improved cash flow, increased working capital, and the ability to take on new projects or opportunities without having to wait for customers to pay their invoices. It can also be a useful tool for businesses that have a high volume of invoices, but limited access to traditional forms of financing.
The risks of debtor finance in Australia include the cost of the finance, which can be higher than traditional forms of financing, and the fact that the lender may take on some of the credit risks of the business’ customers. It’s also important to note that debtor finance may not be suitable for businesses with a low volume of invoices or with poor credit ratings.
To find debtor finance in Australia, you can research different lenders online or consult with a financial advisor. You can also contact the industry association known as the Australian Factoring and Finance Association (AFFA) for more information on providers and industry standards.
The documents required for debtor finance in Australia can vary depending on the lender but typically will include financial statements, invoices, and proof of income. It’s also important to have a legally binding agreement in place outlining the terms of the financing, including the fee and the repayment schedule.
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